Vantiv (Now Worldpay) is a full services payment provider offering payment processing and payment gateway services. Zuora pre-integrates with both the Vantiv payment gateway and processor, as well as their Automatic Account Updater.

Enable the Vantiv Gateway for Your Tenant

Confirm with Vantiv support whether your Merchant ID is enabled for the Vantiv test environment and whether your Merchant ID is linked with Zuora's Vantiv Submitter ID for the test environment. Vantiv gateway does not permit access to its test environment using your production Merchant ID, so you must obtain a test Merchant ID for testing purposes.

When your request is sent to the Vantiv Gateway via Zuora, the request is sent with the Zuora's Submitter ID in all environments. Your Merchant IDs can vary per your gateway settings for the production and testing environments.

If you plan to process both credit card and ACH transactions, we recommend that you configure two separate instances of the Vantiv Gateway within Zuora. The first configuration with verification turned on can process credit cards, and the second configuration with verification turned off can process ACH transactions. This setup avoids issues caused by eCheck verification on ACH transactions.

Common Fields for Configuration

There are some common fields you must complete for every gateway configuration. We recommend reviewing our Setup Payment Gateway documentation for information on these common fields:

Name

Use Gateway Test Environment

Test Environment Type

Merchant ID

Cards Accepted

Default Authorization Amount

Verify new payment method (optional)

Verify updated payment method (optional)

Support Recurring

Commerce Indicator

Enable AVS Filtering

If enabled, Zuora will decline Credit Card transactions for certain AVS response codes returned by the gateway, even if the gateway has approved the transaction. Default is disabled.

Enable CVV Filtering

If enabled, Zuora will decline Credit Card transactions for certain CVV response codes returned by the gateway, even if the gateway has approved the transaction. Default is disabled.

AVS and CVV Response Codes

AVS Response Codes

Description

10

5-Digit zip matches, address does not match

11

9-Digit zip matches, address does not match

12

Zip does not match, address matches

13

Postal code does not match, address matches

20

Neither zip nor address match

33

General error

40

Address failed Vantiv edit checks

CVV Response Codes

Description

N

No match

Vantiv Credentials

In addition to the common fields, every gateway has unique requirements and information (such as credentials) that you must provide to configure the gateway in Zuora.

Click and select the Merchant ID number for the gateway configuration. The Merchant ID number should be the same one you provided to Zuora Global Support to enable in your tenant, and the ID(s) will appear as a picklist in the gateway configuration page. If you have more than one Merchant ID number, you can set up Zuora Global Support to enable in your tenant, and the ID(s) will appear as a picklist in the gateway configuration page. If you have more than one Merchant ID number, you can set up multiple gateway configurations for each Merchant ID number.

If the Use Gateway Test Environment option is selected, click and select the test environment type in the Test Environment Type field. The Pre Live and Post Live environments are available.

Pre Live environment

The Pre Live test environment is the platform used for all merchant testing. You should use this environment if you are a newly on-boarding Vantiv merchant or if you are an existing Vantiv merchant seeking to incorporate additional features or functionalities.

Post Live environment

The Post Live testing environment is intended for merchants that are already fully certified and submitting transactions to the Vantiv Production platform, but wish to perform regression or other tests to confirm the operational readiness of modifications to their own systems.

Support Recurring

If you accept credit card payment methods, you may consider enabling the Support Recurring option. If Support Recurring is selected, Zuora will mark such payments as recurring when submitting the sale payment transactions to Vantiv. For recurring payments, this option may result in reduced fees and greater acceptance with your merchant bank. Check with Vantiv to verify that this is available and appropriate for your account.

Commerce Indicator

The Commerce Indicator identifies the source channel of the transaction request (i.e., the environment that the cardholder used to provide the payment card details to the merchant) and the type of transaction being processed. Select one of the following values from the list:

E-Commerce (default)

Installment

Mail Order

Recurring

Retail

Telephone

Recurring Telephone (eCheck only)

Set Up First and Recurring E-Commerce Transactions

Perform the following steps to ensure that first and recurring transactions are set up properly:

Verify the Vantiv gateway instance is set up in the following way:

Check Support Recurring

Commerce Indicator set to E-Commerce

Check the transaction logs to see if the indicator value is set as expected.

Testing Your Configuration

We recommend testing your selected payment gateway using both your payment gateway's test and production (live) environments. Once you have completed testing in the gateway's test environment, it is recommended that you perform a test in your live production environment with a real credit card. If there are any differences in the configuration of your testing and production accounts, testing in production ensures your production merchant account is set up properly and can successfully connect to the production environment.

Accessing Your Gateway's Test Environment

If Use Gateway Test Environment is selected in your payment gateway configuration, Zuora will direct payment transactions to the Vantiv testing environment that you chose in the Test Environment Type field in the Credentials section.

You will be accessing a test environment linked to Zuora's Submitter ID.

If Use Gateway Test Environment is not selected, Zuora will direct payment transactions to the Vantiv production environment.

Test Credit Cards and Testing Scenarios

Test credit card numbers and testing scenarios can be found in the Vantiv XML Reference Guide. Please work with your Vantiv implementation analyst to retrieve all necessary information for testing. Contact Vantiv Support for the latest version of the Vantiv XML Reference Guide. This guide provides specific credit card account numbers and data to include in your testing to generate specific gateway responses.

General Testing Information

Integration Testing

Zuora has been certified with Vantiv as an integration partner and maintains the integration on an ongoing basis, thoroughly testing the integration with every new release. The Vantiv integration documentation is helpful if you are integrating Vantiv directly with your website, however, you do not need to perform any integration or certification testing to submit transactions to Vantiv via the Zuora application. The intended audience for the integration guides are technical integrators, however, these documents can be helpful to non-technical integrators who can refer to it for information on testing and troubleshooting gateway errors (as described below).

Performance and Volume Testing

In general, gateway testing environments are intended to give merchants the opportunity to test their gateway and integrations to their gateway, in order to work out any bugs before going to the production environment. Some gateway test environments are shared amongst multiple merchants, and other gateways provide unique testing environments for each merchant. Additionally, gateway test environments (also referred to as certification or sandbox environments) do not have the same high availability or performance capability as production environments. As such, they are not intended for load testing. Merchants performing high volumes of load testing that puts a stress on a shared test environment may receive a warning from the gateway or have their access to the testing environment suspended.

Troubleshooting Gateway Errors

Getting Gateway Error Information

There are several ways to obtain information about gateway errors:

The Vantiv XML Reference Guide contains information on the transaction reponse codes, response message, response type, and description. This should be your first resource when troubleshooting payment gateway errors for Vantiv. Zuora Global Support has a copy of the Vantiv XML Reference guide that we can provide you, but we recommend contacting Vantiv Support for the latest version of this document.

Look up the transaction by the transaction ID number (in the Zuora payment detail page, this is the Reference ID and Secondary Reference ID numbers) in your virtual terminal or merchant account to see if more information is provided; often you will see more than just the response (reasons) code and response message in Zuora.

If you need further assistance with a specific error, please contact Vantiv support by email (available 24/7). When contacting the Vantiv Support, it may be helpful to provide the Payment Transaction ID (in Zuora Payments this is the Reference ID) for the failed payment. This Transaction ID is an alphanumeric number; for example, CLEF4CGE8AB8.

eCheck Verification Issues

For credit card and ACH transactions, we recommend configuring two separate instances of the Vantiv Gateway within Zuora. Use the first configuration (with verification turned on) for processing credit cards. Use the second configuration (with verification turned off) for ACH transactions. This setup avoids issues caused by eCheck verification on ACH transactions

Make Sure You Are Not Re-Trying an Invalid Card Too Many Times

We recommend that you check the payment in Zuora to see how many times the same payment method has been retried for payment and failed. If there have been several retries, check the error messages from the beginning with the first failure and the more recent failures to determine if the error message is the same. If a merchant tries to process a payment against the same credit card too many times despite receiving errors, this could trigger warnings to the card issuing bank. The card issuing bank may place an alert on the account and not allow any further transactions from the merchant using that payment method. When a merchant has been flagged, the error received on the payment may not state the reason why, instead, it might be a generic error decline error. In this case, the merchant (Zuora customer) should work with Vantiv Support to see if they can identify the problem with the payment method. If the processor does not know, then the merchant and/or the card holder can try calling their card issuing bank to look into the issue.